Business Details
Your Trusted Insurance Partner in Lebanon, MO
Garner & Smith Insurance has been dedicated to providing comprehensive insurance solutions for residents and businesses in Lebanon, Missouri. With over 70 years of combined experience, our team specializes in helping clients navigate the complexities of Medicare supplement insurance, Medicare advantage plans, health insurance, life insurance, auto insurance, home insurance, and commercial insurance. We prioritize personalized service, offering free consultations and same-day appointments to ensure clients receive timely and tailored coverage. Our expertise extends to explaining policy details, comparing options, and identifying cost-effective solutions that meet individual and organizational needs.By maintaining a client-centric approach, we aim to simplify the insurance process while building long-term relationships based on trust and transparency. Our commitment to accessibility is reflected in extended hours and weekend appointments available upon request. Located at 1431 N Jefferson Ave, we serve Laclede County and surrounding areas with professionalism and local market knowledge.
Services
Medicare Supplement Insurance
Medicare Advantage Plans
Health Insurance Policies
Life Insurance
Auto Insurance
Home Insurance
Commercial Insurance
Highlights and features
- We offer 70+ years of combined insurance expertise.
- Our team provides free consultations and same-day appointments.
- We specialize in personalized Medicare supplement solutions.
- We offer comprehensive coverage for health, life, and commercial needs.
- Our local knowledge serves Laclede County effectively.
Services
Medicare Supplement Insurance
Medicare Supplement Insurance helps cover out-of-pocket costs like co-payments, co-insurance, and deductibles not paid by Original Medicare. Our experts guide clients through plan options to ensure comprehensive coverage. We help clients select policies that align with their healthcare needs and budget.
Medicare Advantage Plans
Medicare Advantage Plans bundle Part A and B coverage while offering additional benefits like dental, vision, and prescription drug coverage. We compare plans from multiple providers to find the best fit for clients. Our team simplifies enrollment and explains coverage details clearly.
Health Insurance Policies
Health insurance policies cover medical and surgical expenses for individuals and families. We offer options that accommodate diverse healthcare needs and financial situations. Our agents help clients understand policy terms, network providers, and cost-sharing requirements.
Life Insurance
Life insurance provides financial protection for beneficiaries through term or whole life policies. We assess clients' coverage needs based on income, debts, and future obligations. Our process includes comparing premiums, policy features, and insurer ratings.
Commercial Insurance
Commercial insurance protects businesses from risks like property damage, liability claims, and operational disruptions. We customize policies for different industries and company sizes. Our services include risk assessments and policy reviews to ensure adequate protection.
People
Bob Garner
Insurance Agent
Bob Garner brings decades of insurance expertise to help clients navigate complex coverage options. He focuses on building long-term relationships through personalized service and transparent communication. His experience spans Medicare, health, and commercial insurance solutions.
Jeremy Garner
Insurance Agent
Jeremy Garner specializes in helping clients find affordable, comprehensive insurance policies. He prioritizes client education and simplifies technical details to ensure informed decisions. His approach combines local market knowledge with industry best practices.
Sarah Smith
Insurance Agent
Sarah Smith provides tailored insurance solutions for individuals and businesses. She emphasizes accessibility through flexible appointment scheduling and clear policy explanations. Her client-first approach focuses on long-term financial security and risk management.
Questions
What types of insurance do you offer?
We provide Medicare supplement insurance, Medicare advantage plans, health insurance, life insurance, auto insurance, home insurance, and commercial insurance.
Do you offer free consultations?
Yes, we provide free consultations to help you understand your insurance options and find the right coverage for your needs.
Are same-day appointments available?
Yes, we offer same-day appointments to accommodate urgent insurance needs and provide timely assistance.
What areas do you serve?
We primarily serve Laclede County and surrounding areas from our Lebanon, Missouri office.
Can I get extended hours?
Extended hours and weekend appointments are available by prior arrangement to suit your schedule.
